Adoption Loans

HFLS provides interest-free loans of up to $25,000 to help cover adoption-related costs including agency fees, advertising costs, travel fees, and birth parent medical expenses.

Adoption Loans require the submission of a completed Home Study and documentation of cost (invoices or bills). The loan is made in installments based on the costs incurred by the borrower. Loans are repayable in equal monthly installments over up to five years. Guarantors must have a minimum family income of $50,000 per year.

For more information about Adoption Loans, required documents, and the HFLS loan process, please view the Adoption Loans Information Sheet. Contact HFLS at (212) 687-0188 or loan@hfls.org with any questions or to request an application.

The Hebrew Free Loan Society makes interest-free loans to low- and moderate-income individuals and families living in New York City’s five boroughs, Westchester, or Long Island. You can view our income guidelines here. 

If you have financial need for an interest-free loan but your household income is higher than the amount listed for your household size, please contact HFLS at (212) 687-0188 or info@hfls.org to discuss whether you qualify for a loan based on your specific situation.